HSA Eligibility Requirements – Do I qualify for an HSA?

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To qualify for an HSA, you must meet the following requirements:

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• You must be covered by a qualified high deductible health plan (HDHP).

• You must have no other health coverage, including a spouse’s plan that provides benefits covered by your HDHP. You can have accident, disability, dental, vision, or long-term care coverage or insurance that provides benefits for a specific disease or illness, a fixed amount for hospital stays or liability coverage, such as worker’s compensation.

• You are not enrolled in Medicare.

• You do not receive health benefits under TRICARE.

• You have not received Veterans Administration (VA) benefits within the past three months.

• You cannot be claimed as a dependent on someone else’s tax return.

• You are not covered by a general purpose Health Care Flexible Spending Account (FSA) or Health Reimbursement Account (HRA). Limited-purpose FSAs and HRAs are permitted.